Finally. A new wayto pay for health.
Money and agency, back in your hands. ionava is a powerful alternative to health insurance, built to support your health and your wealth.
“We’re insurance nerds who got tired of a system that lost its humanity. So we built a new one.”
The ionava founding story
Twenty years working in insurance
Azar spent two decades running her own award-winning firm, Quantum Insurance Services. Clients came to her because she was the person who could make insurance work for you. She read the fine print, and did the math.
The moment it stopped making sense
Then a client’s child with severe autism needed speech, physical, and occupational therapy—care that changes a child’s life when it starts early. It took Azar a year and a half to get it approved by insurance. That was when she knew it was time for a different solution.
ionava was the answer
Year after year, Azar watched health insurance get harder on her clients. Premiums climbed, and there was less left for the things that keep people well. So she decided to design a new way to pay for health from the ground up—one rooted in love, not fear.
“I got so sick of feeling powerless to give people good value through their insurance. It was time to build something that could.”
Azar Burnham-Grubbs
One was built on fear. The other, from love.
ionava is not insurance—it’s a different model entirely. Here’s the difference when a system treats your health as your greatest asset.
Traditional insurance
Built on fear
- Prices that climb every year
- Your money disappears into premiums
- Networks and approvals decide
ionava
Built from love
- Your price, locked in for life
- You keep ownership of your money
- You decide how and where to spend
A Wallet for every day. A Vault for the ‘Big What-Ifs’.
Wallet
Flexible funding for health and wellness spending. Doctors, labs, therapy, fitness, preventive care—you decide how and where to use it.
Vault
Cash reserve of $300k, $700k or $1M set aside for the ‘Big What-Ifs’. If a Major health event hits, your Vault unlocks and you decide how to use that money. Cash, not coverage.
Our mission is to reward health, restore agency, and replace fear with clarity.
Curious whether ionava is a fit?
It starts with your Health Score, a quick assessment that shows where your health stands today. No cost, no commitment. ionava isn’t for everyone, and that’s by design.
- 1
Get your Health Score
Answer a few questions about your health. It only takes a few minutes.
- 2
See if you qualify
Your score tells you whether ionava is a fit for you right now.
- 3
Build your plan
Choose your Wallet and Vault, and lock in your price.
Not health insurance — ionava is a financial platform designed for health and wellness. Read our Privacy Policy and Terms & Conditions.